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U. S. T. C. Employees

Nashville, TN · Charter 68145

NCUA · 1 branch

Q2 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

U. S. T. C. Employees

Nashville, TN · Charter 68145

NCUA · 1 branch

Q2 2018

$2.2MAssets
$1.8MLoans
$1.9MShares
$339KNet Worth

Executive Summary

  • Earnings: ROA of 1.15%, up 33 bps year over year; NIM at 6.58%.
  • Asset quality: problem loans at 1.03% of loans (+103 bps YoY).
  • Capital: net worth / assets of 15.18%, down 581 bps from a year ago.
  • Funding: loans stand at 95.69% of shares as of Q2 2018.

Return on Assets (YTD, annualized)

1.15%+33 bps YoY

Net Interest Margin (YTD, annualized)

6.58%-73 bps YoY

Efficiency Ratio (YTD, annualized)

72.76%-1,062 bps YoY

Net Worth / Assets

15.18%-581 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.51%1.42%1.11%0.82%1.18%2.38%0.58%1.15%+33 bps
Return on Equity8.13%7.46%5.33%3.90%5.65%11.29%3.72%7.58%+369 bps
Net Interest Margin6.53%6.66%7.21%7.31%7.34%7.35%7.31%6.58%-73 bps
Efficiency Ratio71.65%74.91%96.46%83.38%79.53%61.40%73.18%72.76%-1,062 bps
Growth
Asset Growth (YoY)2.73%-0.95%-11.49%-8.91%-7.58%-5.47%16.56%20.22%+2,913 bps
Loan Growth (YoY)-1.82%1.52%6.44%18.09%16.49%16.09%9.50%3.08%-1,500 bps
Share Growth (YoY)0.64%-2.86%-14.86%-13.81%-10.01%-11.33%24.00%32.04%+4,585 bps
Asset Quality
Delinquent Loans / Loans1.87%0.17%0.60%0.00%1.45%0.77%1.16%1.03%+103 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.30%0.18%0.25%0.07%0.22%0.62%4.41%4.17%+410 bps
Capital
Risk-Based Capital18.53%19.06%20.77%20.99%20.83%21.06%15.57%15.18%-581 bps
Net Worth / Assets18.53%19.06%20.77%20.99%20.83%21.06%15.57%15.18%-581 bps
Liquidity & Funding
Loans / Shares89.87%93.55%107.22%122.57%116.33%122.49%94.68%95.69%-2,688 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps